Credit Products Specialist I

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $82.2k - $131.4k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Flagstar Bank

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🛡️ Insurance

💼 Consulting

🏥 Healthcare

Insurance • Consulting • Healthcare

Flagstar Bank is a diversified commercial bank focused on building relationships to help clients on their financial journeys, whether for personal or business needs. The bank offers a wide range of financial services including personal and business banking, loans, mortgages, wealth management, and investment services. Flagstar is committed to community involvement and meeting the banking needs of diverse neighborhoods, including low- and moderate-income areas, while promoting diversity, equity, and inclusion within its operations.

📋 Description

• Support underwriting, structuring, and management of commercial credit relationships within an assigned line of business • Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages • Monitor financial trends, covenant compliance, and borrowing bases to identify credit risks and recommend actions • Collaborate with sales and credit teams to structure deals, address underwriting inquiries, and support client needs • Mentor analysts by sharing expertise in financial analysis, credit structuring, and risk assessment • Stay informed about market trends, credit policies, and risk mitigation techniques • Use independent judgment and discretion to make decisions regarding the assigned portfolio • Analyze and resolve problems pertaining to the assigned portfolio • Perform special projects and additional duties as required • Adhere to regulatory and compliance policies, standards, and applicable federal, state, and local laws • Complete required compliance training

🎯 Requirements

• Undergraduate Degree (4 years or equivalent) preferred; Bachelor’s degree in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience • Minimum 3+ years in credit underwriting, portfolio management, or a related field • 3+ years of experience in the direct specialized line of business (specialized commercial industries, capital markets, corporate commercial banking, etc.) • Strong financial analysis and risk assessment abilities • Basic understanding of loan structuring and credit agreements • Proficiency in financial modeling and credit decision tools • Strong written and verbal communication skills and teamwork • Strong foundational understanding of financial statements, key ratios, and credit analysis principles • Ability to assess financial data, identify trends, and evaluate borrower creditworthiness • Intermediate Excel skills, including financial modeling, pivot tables, and VLOOKUP • Familiarity with credit analysis software • Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively • Willingness to develop credit expertise and stay informed on industry trends • Qualified applicants with arrest or conviction records will be considered in accordance with applicable fair chance laws

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • Disability insurance • Comprehensive leave program • Variable incentives, bonuses, commissions, or other awards may be included in total compensation